Hey guys I've been reading MMM for some time now, but I'm fairly new to the forums. I wanted to get some advice on what would be the optimal way to use the money I earn this summer.
I'm a 20 year old college student going into my 3rd year of undergrad this fall. I'm going to school to become a physical therapist and am on track to complete my undergrad this year and then attend grad school for another three years to get my doctorate. At the moment I have about $7,700 in student loan debt ($2,650 at 3.76%, $520 at 4.45%, and $4,500 at 4.45% but the last one will not start earning interest until the summer of 2020). I also started a roth IRA last October with $1500 that has grown to about $1620 since then.
During the summer I live at home with my parents, so I don't have to worry about housing or food costs, so I'm really trying to get ahead financially. I should be making roughly $3,500 between now and the end of my summer vacation. I've already put $600 into my student loans this summer. I was initially thinking of putting $1500 into my IRA again this year and then putting the rest into my loans, but I'm open to suggestions about how I can optimize my situation.